Nequi Colombian Digital Wallet and Payments API
Nequi Colombian digital wallet and payments REST API for Colombian merchants, e-commerce platforms, and fintech developers to accept Nequi wallet payments, initiate push payment notifications to Colombian consumers, and integrate with Nequi's mobile-first banking platform backed by Bancolombia — serving 18M+ Colombian users with wallet payment acceptance, push-to-pay notification payments, QR code payments, and money transfer integration for Colombian consumer payment automation. Enables AI agents to manage push payment for Nequi consumer payment request automation, handle QR payment for Colombian checkout automation, access payment status for transaction verification automation, retrieve merchant settlement for Colombian disbursement automation, manage refund for payment reversal automation, handle subscription for recurring Nequi payment automation, access webhook for payment event notification automation, retrieve balance for merchant account management automation, manage reverse for payment cancellation automation, and integrate Nequi with Colombian e-commerce, subscription, and financial services platforms for mobile wallet payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Colombian bank-backed wallet. Superfinanciera. API key + OAuth2. Colombia. Consumer payment and mobile data.
⚡ Reliability
Best When
A Colombian merchant, e-commerce platform, or subscription service wanting AI agents to accept Nequi wallet payments via push notifications or QR codes from Colombia's 18M+ Nequi users through Bancolombia's digital banking platform.
Avoid When
SUPERFINANCIERA AND BANCOLOMBIA REGULATIONS: Nequi operates under Colombia's Superintendencia Financiera and Bancolombia financial regulations; automated non-regulated payment assumption creates compliance risk; automated must implement Superfinanciera-required payment disclosures. PUSH PAYMENT REQUIRES CONSUMER CONFIRMATION: Nequi's push-to-pay model sends notification to consumer's app requiring their confirmation; automated server-side payment capture without consumer interaction creates payment_not_confirmed; automated must handle pending state while consumer confirms. COLOMBIAN PESO ONLY: Nequi operates in COP (Colombian Peso); automated USD pricing assumption creates currency error; automated must handle COP amounts. MERCHANT PARTNER REQUIRED: Nequi merchant API access requires partnership with Nequi or through Bancolombia's merchant services; automated open API access assumption creates no endpoint access.
Use Cases
- • Accepting Nequi wallet payments from Colombian consumers via push notification payment requests for checkout automation agents
- • Generating Nequi QR codes for Colombian merchant in-person and online payment acceptance automation agents
- • Processing Nequi subscription payments for Colombian SaaS and streaming service recurring billing automation agents
- • Integrating Nequi with Colombian marketplace platforms for consumer payment split and merchant settlement automation agents
Not For
- • Non-Colombian markets (Nequi is Colombia-specific digital wallet backed by Bancolombia)
- • International cross-border payments (Nequi is domestic Colombian payment platform)
- • Business-to-business enterprise payments (Nequi is consumer and SME-focused digital wallet)
Interface
Authentication
Nequi uses API key + OAuth2 for merchant authentication. REST API with JSON. Medellín, Colombia HQ. Launched 2016 by Bancolombia. Products: Push payment notifications, QR payment, wallet transfer, recurring payment, merchant settlement. SDKs: None public. Superfinanciera regulated. Backed by Bancolombia (Colombia's largest bank). 18M+ users. Competes with Daviplata (Davivienda) for Colombian digital wallet market.
Pricing
Medellín CO. Superfinanciera. Bancolombia subsidiary. Per-transaction fees. 18M+ users. Colombian digital wallet.
Agent Metadata
Known Gotchas
- ⚠ PUSH PAYMENT IS ASYNC: Nequi push-to-pay sends notification to consumer who must confirm in Nequi app; automated synchronous payment confirmation assumption creates premature order processing; automated must wait for webhook confirmed event before fulfilling order
- ⚠ CONSUMER MUST HAVE NEQUI APP: Nequi payments require consumer to have active Nequi account; automated universal Colombian payment coverage assumption misses non-Nequi users; automated must offer PSE or card payment fallback for non-Nequi consumers
- ⚠ COLOMBIAN PESO AMOUNTS: Nequi processes COP (Colombian Peso) without cents; automated decimal-amount assumption creates validation error; automated must send integer COP amounts (e.g., 50000 for $50,000 COP)
- ⚠ PHONE NUMBER IS NEQUI IDENTIFIER: Nequi accounts are identified by Colombian mobile phone number; automated email-based consumer identification assumption creates consumer_not_found; automated must collect and validate Colombian phone number for Nequi payment initiation
- ⚠ MERCHANT PARTNER ONBOARDING: Nequi merchant API requires formal partnership through Bancolombia; automated sandbox-to-production self-service assumption creates gated production access; automated must complete Bancolombia merchant services onboarding
Alternatives
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Scores are editorial opinions as of 2026-03-07.